MAIN FEES AND COMMISSIONS

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1 Section title MAIN FEES AND COMMISSIONS As at 1 January 2018 The bank for a changing world

2 2 Fee schedule as at 1 January 2018 Section title

3 Preamble Fee schedule as at 1 January 2018 This document provides an overview of the fees for the main products and services offered by BNP Paribas Wealth Management in Switzerland. Please contact your private banker for more information. NB: BNP Paribas Wealth Management reserves the right to charge any transaction that generates a specific cost at actual cost. All prices are excluding taxes and are expressed in CHF or equivalent. VAT shall be charged extra, in accordance with the applicable statutory rate. Swiss and foreign taxes are not included in our rates. Banking transactions are carried out within a given number of valuation days, expressed as a number of business days in Switzerland from the date of execution. Unless otherwise agreed, BNP Paribas Wealth Management reserves the right to change its fee schedule at any time. Clients of BNP Paribas Wealth Management will receive advance notice of such changes, and this document will be revised accordingly and made available. This document is intended for use by all BNP Paribas Wealth Management clients. For a full description of the products and services offered by BNP Paribas Wealth Management in Switzerland, please refer to the specific brochures, contracts and agreements, which are available on request. This document covers the main products and services offered as at 1 January The fee schedule for products and services not listed herein, including those that are no longer offered but which a client may still hold, are available on request. Fee schedule as at 1 January

4 4 Fee schedule as at 1 January 2018 Section title

5 Contents Contents Banking packages 6 Administrative fees 7 Brokerage 8 Securities transactions 8 Investment fund transactions 8 Structured products 8 Derivatives 9 Fiduciary deposits 9 Advisory agreements 10 Discretionary management 11 Classic mandate management fees 11 SMART mandate management fees 12 Crystal mandate management fees 13 Credit 14 Lombard loan 14 Mortgage 14 Provision of collateral 14 Credit margin 14 Additional fees 15 Payments 15 Bank cards 17 Delivery of securities and metals 19 Safe deposit box rental 20 Fee schedule as at 1 January

6 Banking packages Banking packages We offer our clients a choice of two banking packages, the contents of which are detailed below. The corresponding fee is charged on a quarterly basis. PREMIUM STANDARD Price (CHF per quarter) Basic banking services: CHF account maintenance Foreign currency account maintenance Metals account maintenance Cross-border account maintenance MyWealth app (consultation) MyWealth app (trading) CHF 25 per quarter MyWealth app (third party) CHF per quarter Access to enhanced X data protection services 1) Account statements: Quarterly paper account statements Monthly paper account statements CHF 60 per quarter Revenue report Special postal instructions CHF 75 per quarter Express postal delivery CHF 50 per letter Payments, cash and bank cards: Overdraft facility, transfers between accounts, account sweeping Transfers via MyWealth app Transfers in CHF/other currencies 2) CHF 15/40 per transfer Issue/cashing of cheques CHF 50 per cheque Cash withdrawals/deposits in CHF Card replacement 3) Miscellaneous: Access to Wealth Planning Tax reclaim 4) X Service is included in the package X = Service is not included in the standard package CHF = Standard price charged at portfolio level 1) Subject to the Bank s approval in certain situations: Numbered account = CHF 125 per quarter and hold mail service = CHF 125 per quarter 2) Transfers in CHF limited to 200 transactions per year and transfers in other currencies limited to 40 transactions per year. 3) For debit/credit cards. 4) Service offered in certain countries, under specific conditions and for a tax reclaim above EUR Fee schedule as at 1 January 2018

7 Administrative fees ADMINISTRATIVE FEES Administrative fees are calculated based on the total value of the portfolio (including cash) according to the following sliding scale: Assets (in CHF) Annual fees < 2.5 million 0.30% < 5 million 0.28% < 10 million 0.26% < 25 million 0.24% Above 25 million 0.22% Minimum fee CHF 500 per quarter Fees are charged quarterly based on average assets at the end of each month, one month ahead of the calendar quarter (first quarter calculated on the basis of assets at the end of December, January and February) Fees are calculated based on total assets (including cash). The fee for the asset amount held shall apply to total portfolio assets. Surcharge for precious metals and alternative funds: +50% Sub-custodians fees are billed on top, at 0.10% for foreign equities and bonds held through omnibus client segregation and 0.50% for foreign equities and bonds held through individual client segregation. Fee schedule as at 1 January

8 Brokerage Brokerage For every purchase or sale of securities, investment funds or derivatives, the Bank charges a fixed brokerage fee that includes our Bank s fees and charges. Stamp duty, taxes, and fees charged by external brokers are charged separately. Securities transactions Transaction amount in CHF (non-cumulative) Bonds Brokerage Equities Brokerage < 50, % 1.60% < 100, % 1.40% < 250, % 1.20% < 500, % 1.00% < 1 million 0.40% 0.90% Above 1 million 0.30% 0.80% Minimum fee CHF 200 CHF 200 Investment fund transactions Transaction amount in CHF (non-cumulative) Money market funds Bond funds Equity funds Alternative and other funds Brokerage Brokerage Brokerage Brokerage < 50, % 1.10% 1.70% 1.90% < 100, % 0.90% 1.50% 1.70% < 250, % 0.70% 1.30% 1.50% < 500, % 0.60% 1.10% 1.30% < 1 million 0.20% 0.50% 1.00% 1.20% Above 1 million 0.15% 0.40% 0.90% 1.10% Minimum fee CHF 200 CHF 200 CHF 200 CHF 200 Subscription/redemption fees may be charged by third-party funds. Structured products Depending on the maturity, market conditions and product type, fee information may be obtained on request from your private banker. 8 Fee schedule as at 1 January 2018

9 Brokerage Derivatives Futures S&P E-MINI NIKKEI (US) CHF 20 per contract BOND DOW ESX NDX 100 SMI CAC 40 OIL DAX FTSE MIB 30 METALS S&P 500 CHF 40 per contract CHF 50 per contract COMMODITIES INDIVIDUAL SECURITY per security Minimum CHF 200, plus external brokerage fees. Options 1.50% of the premium Minimum CHF 200 Max. 10% of the premium Fiduciary deposits Investment interest rate Fiduciary fee rate 0% 0.25% 0.08% 0.26% 0.50% 0.15% 0.51% 1% 0.20% 1.01% 3% 0.35% 3.01% 5% 0.60% > 5% 1.20% Minimum fee CHF 250 Fee schedule as at 1 January

10 Advisory agreements Advisory agreements The minimum asset amounts required to access advisory agreements are EUR/USD/CHF 1 million for Asset Advisory A 2 and EUR/USD/CHF 2.5 million for Active Asset Advisory A 3. Assets (in CHF) Asset Advisory A 2 Active Asset Advisory A 3 Annual fees Annual fees < 2.5 million 0.50% - < 5 million 0.45% 0.80% < 10 million 0.40% 0.70% < 25 million 0.35% 0.60% Above 25 million 0.30% 0.50% Minimum fee CHF 5,000 CHF 20,000 Fees are charged quarterly based on average assets at the end of each month, one month ahead of the calendar quarter (first quarter calculated on the basis of assets at the end of December, January and February) Fees are calculated based on total assets (including cash). The fee for the asset amount held shall apply to total portfolio assets. Administrative fees are billed separately and not deducted. Asset Advisory A 2 brokerage fees: 20% off transaction fees on securities and investment funds. Active Asset Advisory A 3 brokerage fees: 40% off transaction fees on securities and investment funds. 10 Fee schedule as at 1 January 2018

11 Discretionary management Discretionary management Classic mandate management fees 1) The minimum asset threshold for the Classic mandate is EUR/USD/CHF/GBP 2) 1 million. Classic mandates < 10 milliolion 25 million fee per year < 25 mil- Above Minimum < 5 million million CASH & FIXED INCOME Bonds all-in 0.65% 0.60% 0.50% 0.40% 0.30% CHF 6,500 Yield Opportunity all-in 0.65% 0.60% 0.50% 0.40% 0.30% CHF 6,500 ALTERNATIVE & EQUITY Alti Select all-in 1.30% 1.25% 1.20% 1.15% 1.10% CHF 13,500 Equity Premium all-in 1.85% 1.80% 1.75% 1.70% 1.65% CHF 18,500 PROFILED MANDATES 2) Profiled: funds Conservative all-in 1.35% 1.30% SMART RANGE CHF 13,500 Balanced all-in 1.55% 1.50% SMART RANGE CHF 15,500 Dynamic all-in 1.75% 1.70% SMART RANGE CHF 17,500 Profiled: SRI funds Conservative all-in 1.35% 1.30% SMART RANGE CHF 13,500 Balanced all-in 1.55% 1.50% SMART RANGE CHF 15,500 Profiled: direct lines Conservative all-in 1.35% 1.30% SMART RANGE CHF 13,500 Balanced all-in 1.55% 1.50% SMART RANGE CHF 15,500 Dynamic all-in 1.75% 1.70% SMART RANGE CHF 17,500 FLEXIBLE MANDATES Flex 30 all-in 1.60% 1.55% 1.50% 1.45% 1.25% CHF 13,500 Flex 60 all-in 1.70% 1.65% 1.55% 1.40% 1.25% CHF 15,500 Flex 100 all-in 1.80% 1.75% 1.65% 1.50% 1.30% CHF 17,500 Fees are charged quarterly based on average assets at the end of each month, one month ahead of the calendar quarter (first quarter calculated on the basis of assets at the end of December, January and February) Fees are calculated based on total assets (including cash). The fee for the asset amount held shall apply to total portfolio assets. Administrative and brokerage fees included. Additional charge of 0.10% to implement investment restrictions/limits. 1) The available discretionary management mandates are described in the relevant marketing brochures, available on request from your private banker. 2) Mandates in GBP are only available for profiled mandates. Fee schedule as at 1 January

12 Discretionary management Discretionary management SMART mandate management fees 1) The minimum asset threshold for the SMART mandate is EUR/USD/CHF/GBP 2) 5 million SMART mandates 5 10 million < 25 million Above Fee 25 million Minimum per year SMART GLOBAL INCOME 20% equities all-in 1.30% 1.15% 0.95% CHF 13,500 40% equities all-in 1.50% 1.35% 1.15% CHF 15,500 60% equities all-in 1.70% 1.55% 1.35% CHF 17,500 80% equities all-in 1.70% 1.55% 1.35% CHF 17,500 SMART FIXED INCOME Core all-in 0.60% 0.50% 0.40% Higher Income all-in 0.65% 0.55% 0.45% CHF 6,500 High Yield all-in 0.70% 0.60% 0.50% CHF 6,500 SMART VOL Smart Vol 5 (25% equities) all-in 1.30% 1.15% 0.95% CHF 13,500 Smart Vol 10 (60% equities) all-in 1.70% 1.55% 1.35% CHF 17,500 SMART YIELD Smart Yield EUR all-in 0.35% 0.30% 0.20% - Smart Yield CHF all-in 0.25% 0.20% 0.20% - Smart Asset Allocation SMART AA 10 all-in 1.30% 1.15% 0.95% CHF 13,500 SMART AA 20 all-in 1.30% 1.15% 0.95% CHF 13,500 SMART AA 30 all-in 1.30% 1.15% 0.95% CHF 13,500 SMART AA 45 all-in 1.50% 1.35% 1.15% CHF 15,500 SMART AA 55 all-in 1.50% 1.35% 1.15% CHF 15,500 SMART AA 65 all-in 1.70% 1.55% 1.35% CHF 17,500 SMART AA 80 all-in 1.70% 1.55% 1.35% CHF 17,500 Fees are charged quarterly based on average assets at the end of each month, one month ahead of the calendar quarter (first quarter calculated on the basis of assets at the end of December, January and February) Fees are calculated based on total assets (including cash). The fee for the asset amount held shall apply to total portfolio assets. Administrative and brokerage fees included. 1) The available discretionary management mandates are described in the relevant marketing brochures, available on request from your private banker. 12 Fee schedule as at 1 January 2018

13 Discretionary management Discretionary management Crystal mandate management fees 1) The Crystal mandate provides you with access to discretionary management services through a custom selection of one or more sub-funds of the PMS (Portfolio Management Solutions) fund 2) available in euro, dollars and/or Swiss francs with a minimum asset threshold of EUR/USD/CHF 50,000. The management fee is received directly by the PMS sub-fund(s). Mandate administration fee: 0.50% per year 3). Crystal mandates Annual PMS management fee 2) Single Asset Class CASH & FIXED INCOME Short Term Invest EUR 0.30% Short Term Invest USD 0.30% Bonds EUR 0.75% Bonds USD 0.85% Smart Duration Hedge EUR 0.40% Smart Duration Hedge CHF 0.25% Yield Opportunity EUR 0.95% ALTERNATIVE & EQUITY Alti Select EUR 1.35% Alti Select USD 1.35% Equity Premium EUR 2.10% Equity Premium USD 2.10% Asset Allocation FUNDAMENTAL ANALYSIS Profiled: funds Conservative USD 1.55% Conservative EUR 1.55% Conservative CHF 1.55% Balanced USD 1.75% Balanced EUR 1.75% Dynamic EUR 1.95% Profiled: SRI funds Conservative EUR 1.55% Balanced EUR 1.75% SYSTEMATIC ANALYSIS FLEX 30 EUR 1.70% FLEX 60 EUR 1.80% FLEX 100 EUR 1.90% Other costs associated with the operation and distribution of the PMS fund are charged directly to the sub-fund(s) held. For more information on these fees, please consult the fund prospectus and the Key Investor Information Document (KIID), which are available from your private banker. 1) The available discretionary management mandates are described in the relevant marketing brochures, available on request from your private banker. 2) Portfolio Management Solutions (PMS) is a Luxembourg SICAV incorporated under Luxembourg law and compliant with the Directive 2009/65/EC. The fund s prospectus, key investor information documents (KIIDs), articles of association and annual and semi-annual reports can be obtained free of charge from representative of PMS in Switzerland, BNP Paribas (Suisse) SA, 2, place de Hollande, 1204 Geneva; the payment service in Switzerland is BNP Paribas Securities Services, Paris, succursale de Zurich, 16, Selnaustrasse, 8002 Zurich. 3) Administrative fees for the mandate are charged in addition to the PMS annual management fee Fee schedule as at 1 January

14 Credit Credit Lombard loan 1) Annual processing fee CHF 500 Reference rate + margin TBC (depending on your project) Mortgage 1) New contract Addendum Application fees Minimum 0.20% CHF 1,000 Minimum CHF 5,000 CHF 1,000 Contract translation CHF 1,500 CHF 3,000 CHF 500 CHF 1,000 Provision of collateral 1) Credit card Rental guarantee < CHF 50,000 Credit card Rental guarantee > CHF 50,000 BNP Paribas (Suisse) SA financial guarantee Fee CHF 750 p.a. 1.5% p.a. 1.5% p.a. Minimum CHF 750/quarter Credit margin The margin applied to financing operations depends on the nature of the operation, the amount, the term and the quality of the securities provided as collateral 1) All financing is subject to the prior approval of the Bank s credit committee. Any applicable consultancy fees, notary fees and collateral acceptance fees are payable by the client. 14 Fee schedule as at 1 January 2018

15 Other fees Other fees Payments Document search and issuance fee CHF 50/document with a minimum of CHF 500 Account closure fee CHF 500 Transfers Third-party fee Express postage fee Value date correction CHF 50 FUND TRANSFERS CHF transfers in Switzerland CHF transfers abroad Transfers in foreign currencies Written SWIFT confirmation CHF 15 per transaction CHF 40 per transaction CHF 25 per operation OTHER OPERATIONS Overdraft facility Transfers between accounts No fees Account sweeping BANK CHEQUES Cheque issuance CHF 50 per cheque Fee schedule as at 1 January

16 Other fees Cash and portfolio CASH TRANSACTIONS Withdrawal and payment in CHF No fees Withdrawal and payment in foreign currencies (where the account is held in the same currency) Withdrawal and payment in foreign currencies (where the account is held in a different currency) Fee for sending cash within Switzerland 0.50% per transaction No fees, margin taken on the brokerage Dependent on third-party charges With SecurePost (for information purposes) Between CHF 65 and CHF 85 TRAVELLERS CHEQUES Delivery of travellers cheques Reimbursement of unused travellers cheques Payment of travellers cheques in CHF Payment of travellers cheques in foreign currencies 1% per operation As per cheque deposit pricing No fees 0.50% per transaction Min: CHF 15 Max: CHF 250 CASHING A CHEQUE Cashing-in fee CHF 50 per cheque CASHING A CHEQUE (SUBJECT TO COLLECTION) Cashing a cheque in CHF CHF 5 per cheque Cashing a cheque in other currencies CHF 15 per cheque OTHER OPERATIONS INVOLVING CHEQUES Return fee for unpaid cheques Reminder and correspondence fee Intervention fee Fee for stopping a cheque Correspondent fees Express postage fee CHF 25 per operation CHF 10 per operation CHF 20 per operation Dependent on third-party charges 16 Fee schedule as at 1 January 2018

17 Other fees Bank cards Maestro card Only available to holders of personal accounts. Maximum withdrawal amount per month CHF 10,000 Annual fee CHF 50 Cards can be used anywhere in the world for withdrawals and payments. Fees are paid to the issuer rather than BNP Paribas. WITHDRAWALS AND PAYMENTS IN SWITZERLAND Fees for ATM withdrawals in CHF CHF 2 Fees for ATM withdrawals in EUR CHF 3.50 Payments CHF 1 per payment WITHDRAWALS AND PAYMENTS ABROAD Payments/Withdrawals ATM withdrawal Chip & PIN payment Magnetic strip payment Fees within Europe EUR % 1) EUR % 1) EUR % 1) Fees outside Europe USD ) USD ) USD ) 1) Fee of CHF 1.01 per withdrawal for the card s issuer bank, plus a fee of CHF 0.72 per payment Fee schedule as at 1 January

18 Other fees Credit card MASTERCARD, VISA AND VISA PRIVILÈGE TOPCARD SERVICE CARD SILVER/CLASSIC CHF GOLD CHF GOLD USD GOLD EUR Fee for the first year Fees for subsequent years CHF 50 CHF 100 CHF 75 CHF 65 CHF 100 CHF 200 CHF 150 CHF 130 Second card CHF 20 CHF 50 CHF 50 CHF 30 Card replacement Free Free Free Free STAGGERED PAYMENTS An annual rate of 15% is debited from the purchase date. VISA TOPCARD BUSINESS CARD CLASSIC CHF CLASSIC USD CLASSIC EUR GOLD CHF GOLD USD GOLD EUR Opening a business account First year of business Second year of business onwards CHF 100 CHF 85 CHF 65 CHF 100 CHF 85 CHF 65 Free Free Free Free Free Free CHF 100 CHF 85 CHF 65 CHF 200 CHF 150 CHF 130 CASH WITHDRAWAL ATM withdrawal Counter withdrawal Prices with credit on the card Operations within Switzerland Prices with credit on the card Operations abroad Prices without credit on the card Operations within Switzerland/ abroad Free CHF 5/USD 4/EUR 3 per withdrawal 2.5% per withdrawal Min. CHF 5/USD 4/EUR 3 per withdrawal Free CHF 10/USD 8/EUR 6 per withdrawal 4% per withdrawal Min. CHF 10/USD 8/EUR 6 per withdrawal 18 Fee schedule as at 1 January 2018

19 Other fees Delivery of securities and metals Transfers of securities Outgoing securities Incoming securities Internal transfers Transfers of physical securities and metals Correspondent fees CHF 200 per holding No fees CHF 400 per holding Dependent on third-party charges Delivery against payment Outgoing securities Incoming securities Correspondent fees CHF 200 per holding Dependent on third-party charges Fee schedule as at 1 January

20 Other fees Safe deposit box rental Safe deposit box rental payments are made in advance for a full year. No fees will be repaid if the rental is terminated during the year. Geneva Zurich Volume 1) Annual fees Volume 1) Annual fees 06x30x50 CHF x30x50 CHF x30x50 CHF x30x50 CHF x30x50 CHF x30x50 CHF x30x50 CHF x33x50 CHF x30x50 CHF x30x50 CHF x60x50 CHF x60x50 CHF 1,000 Vault CHF 1,250 per month Lugano Volume 1) Annual fees 06x30x50 CHF x30x50 CHF x30x50 CHF x30x50 CHF x60x50 CHF x60x50 CHF 1,000 1) Volume: height x width x depth in cm 20 Fee schedule as at 1 January 2018

21 Notes notes Fee schedule as at 1 January

22 Notes notes 22 Fee schedule as at 1 January 2018

24 CONNECT WITH BNP Paribas Wealth Management wealthmanagement.bnpparibas Photo Credits: Blend Images/GraphicObsession BNP Paribas (Suisse) SA Place de Hollande 2 Aeschengraben 26 Selnaustrasse 16 Riva A. Caccia 1a PO Box PO Box PO Box PO Box CH Geneva 11 CH Basel CH Zurich CH Lugano Tel.: +41 (0) Tel.: +41 (0) Tel.: +41 (0) Tel.: +41 (0) Fax: +41 (0) Fax: +41 (0) Fax: +41 (0) Fax: +41 (0) The bank for a changing world

Other miscellaneous fees Various administrative fees 300 EUR + TVA 17% FLAT FEE FOR NON-COMMERCIAL COMPANIES

Other miscellaneous fees Various administrative fees 300 EUR + TVA 17% FLAT FEE FOR NON-COMMERCIAL COMPANIES Services for Private Banking clients, maintaining the account, and certification PRIVATE BANKING SERVICES CERTIFICATION AND ENQUIRIES Private Banking fee 3 0.% / quarter + VAT 7% Payment enquiries Applies